Pasadena, CA · Charter 22141
NCUA · 2 branches
Q4 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | -0.19% | -0.34% | -0.26% | -0.51% | -56 bps | |
| Return on Equity | 0.45% | -1.72% | -3.16% | -2.34% | -5.20% | -566 bps | |
| Net Interest Margin | 1.97% | 1.90% | 1.99% | 2.10% | 1.98% | +1 bps | |
| Efficiency Ratio | 94.14% | 107.88% | 106.37% | 102.59% | 111.28% | +1,714 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.94% | 1.98% | 0.82% | -0.26% | 7.78% | +284 bps | |
| Loan Growth (YoY) | 6.50% | 7.75% | 6.99% | 10.13% | 16.57% | +1,007 bps | |
| Share Growth (YoY) | 8.82% | 8.04% | 0.45% | -0.60% | 12.79% | +397 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.15% | 0.21% | 0.23% | 0.19% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.34% | 0.34% | 0.37% | 0.39% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.14% | 10.97% | 10.88% | 10.92% | 9.83% | -132 bps | |
| Net Worth / Assets | 11.14% | 10.97% | 10.88% | 10.92% | 9.83% | -132 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.67% | 65.44% | 68.92% | 71.63% | 66.84% | +217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |